Your Driving Profile

How do demographics and other factors impact car insurance rates?

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How does your driving profile impact car insurance rates?

Who you are as a driver has a major impact on what you pay for car insurance. Your age, your credit score, and your driving record (which all impact your insurance score), are all taken into consideration by insurance companies when they price quotes. Let’s review the core aspects of your driving profile and how they impact your car insurance.



Your age is one way your insurance company assesses your driving experience. Younger drivers, especially teenage drivers, are statistically more likely to take risks behind the wheel and cause an accident. On average, teen drivers pay 302% more for car insurance than do drivers in their 50s, with all other metrics constant.

If you’re interested in more information on car insurance and age, see our related content below:

Teen Drivers  Young Adult Drivers Mature Drivers
Car Insurance for 16-year-olds Car Insurance for 20-year-olds Car Insurance for 30-year-olds
Car Insurance for 17-year-olds Car Insurance for 21-year-olds Car Insurance for 40-year-olds
Car Insurance for 18-year-olds Car Insurance for 22-year-olds Car Insurance for 50-year-olds
Car Insurance for 19-year-olds Car Insurance for 23-year-olds Car Insurance for 60-year-olds
  Car Insurance for 24-year-olds  
  Car Insurance for 25-year-olds  


Credit score

In nearly every US state, credit score is used as a major rating factor to determine your car insurance rates. According to the Federal Trade Commission, drivers with low credit file more expensive — and more frequent — claims. Thus, they’re more expensive and risky customers.

Our data, which can be explored in greater depth below, shows drivers with poor credit (350-500) pay almost $1,200 more per year for car insurance than do drivers with excellent credit. 


Driving record

Your driving history helps insurers understand the kind of driver you will be in the future. A history of claims, speeding tickets, or other citations will drastically raise your premium. On average, a driver who has been responsible for an at-fault crash pays $617 more per year than a driver without a collision on their record. For more information on your driving record impacts on your premium, see our related articles below.


Aside from age, credit score, and driving record, other demographic qualities impact car insurance rates. Below are articles that explore this.


Education Financial Status Military
Car Insurance for Students Car Insurance for Low-Income Families Army Personnel
Car Insurance for Graduates Car Insurance with Bad Credit National Guard
Car Insurance with a GED Car Insurance after Bankruptcy  Marines
    Coast Guard
    Air Force


Personal Occupation Martial or Familial Status
Car Insurance for Foreign Drivers Car Insurance for Teachers Car Insurance for Married Couples
Car Insurance for Ex-Pats Car Insurance for Nurses Car Insurance for Unmarried Couples
Car Insurance for Women Car Insurance for Police  Married vs. Single Car Insurance
Car Insurance for Men Car Insurance for Firefighters Car Insurance for Divorced Couples
Gender-Neutral Car Insurance Car Insurance for EMT Car Insurance for Families
Car Insurance: Men vs Women Car Insurance for First Responders Car Insurance for Separated Couples
Car Insurance for Roommates Car Insurance for Doctors Car Insurance for Single Parents
Car Insurance for Drivers with Disabilities Car Insurance for Government Employees  
Car Insurance for Veterans Car Insurance for Rideshare Drivers  
Car Insurance with Medical Conditions Car Insurance for Delivery Drivers  
  Car Insurance for Unemployed Drivers  
  Car Insurance for Self-Employed Drivers  


How to Save 

No matter your driving profile, the best way to find the cheapest car insurance company is to shop around. Use the Zebra's car insurance calculator to get personalized quotes in just a few minutes.

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Ava Lynch photo
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.